Archive Features

The Environment Agency Pension Fund chief pensions officer Craig Martin chats to Theo Andrew about the fund's responsible investment approach, the Local Government Pension Scheme pooling process and its best-in-class funding ratio
September 2018
Rob Mechem explains the essentials of planning for a bulk annuity
September 2018
Investments in social infrastructure can deliver market rate, or better,
financial returns while making a positive contribution to communities and
the environment. But to achieve this dual return, investors need to be able to
measure and manage their social and environmental goals, writes John Levy
September 2018
Investing in social infrastructure such as schools and hospitals can deliver steady returns to investors and many benefits to communities. With governments increasingly relying on the private sector to plug the social infrastructure gap, opportunities for investing in this asset class have never been greater, writes Raymond Jacobs
May 2018
The pros and cons of paper, online and face-to-face communication methods
June 2018
The first of two increases in minimum contribution levels kicked in from April, triggering fears that some workplace scheme members could either opt out or opt down
June 2018
Andrew Williams considers how best to measure the impact of ESG investment strategies
June 2018
Exploring the role for duration within multi asset portfolios, along with how multi asset funds can be just what pension schemes are looking for in a volatile, low-fee world
June 2018
Natalie Tuck speaks to Pensions Policy Institute director Chris Curry about the institute’s latest research, and his thoughts on the pensions topics currently hitting the headlines
June 2018
Theo Andrew talks to head of Marks & Spencer Pension Trust and chief investment officer, Simon Lee, to get the low down on their recent £1.4 billion buy-in deal, it was approached, what the benefit will be for its members, and what it plans to do moving forward
June 2018
Matthew Swynnerton looks at new disclosure requirements in relation to costs and charges for occupational pension schemes providing money purchase benefits
June 2018
Ian Terry and Fraser Stewart consider the emerging themes from Capita Employee Solutions’ latest report on pension administration
June 2018
Greg Skinner explains how a blend of dynamically managed traditional beta sources, mixed with a range of alternative assets and strategies, can deliver the returns required by pension scheme investors
June 2018
Maggie Williams considers the impact of DB-DC transfers on schemes’ funding valuations
June 2018
Following industry debates as to whether there should be some kind of ‘drawdown default’ or if complete freedom and choice should be maintained at decumulation, Laura Blows looks at the experience of those implementing their freedom and choice to opt out of the default and self-select funds at the
accumulation stage
June 2018
With record numbers of employees in master trusts, the relationship between employers and scheme members can become distanced. Talya Misiri questions the impact of this and what employers can do to plug the gap between employer-member relations
June 2018
Neil Brady looks at the role of cryptocurrencies within the new world of saving, while Graham Buck asks how new technological developments can benefit administration
July/August 2018
Featuring:

The popularity of factor investing

Unfounded overcrowding concerns

Transparent fund comparisons

The evolution of factor investing
July/August 2018
Dominic Moret explores Legal & General’s ground-breaking £325 million buy-in with the BAA Pension scheme
July/August 2018
Tim Gordon considers the slowdown in longevity rates and how pension funds can use these findings
July/August 2018
Now in its third year, Pensions Age’s northern conference is a well-established annual event for pension professionals in the north. Speakers ranged from The Pensions Regulator and Pensions and Lifetime Savings Association to NEST and LCP, as well as many more
July/August 2018
Should trustees be spending more of their limited time focusing on the control mechanisms (‘controls’) which mitigate their pension arrangement’s key risks?
July/August 2018
Economies and central banks around the world are moving in lock-step with each other. Andrew Cole argues that choosing the right sectors – rather than the right regions – is now key to maximising investment returns
July/August 2018
It’s been 28 years since the European Court of Justice (ECJ) ruling in the Barber case requiring pension schemes to equalise benefits between men and women, but the troublesome issue of GMP equalisation remains unresolved. Now there is a glimmer of hope in the form of the long awaited Lloyds Bank court case
July/August 2018
Pension schemes are struggling to win any popularity contests in the broader context of retirement provision. How can it win appeal in a fast-changing savings culture?
July/August 2018
Having succeeded in getting financial education included in the National Curriculum, the sector is now gathering evidence to argue that money management lessons should start even earlier – at primary school. Andy Knaggs discovers how the case is being made
July/August 2018
The media is full of stories about generational conflict. David Adams asks if the UK pensions system really does treat younger workers unfairly, or if there are more productive ways to think about changes that will help deliver a more comfortable retirement for everyone
July/August 2018
Modern working practices – from the rise of the gig economy to phased retirement – mean traditional pension products are becoming a poor fi t for many people. Alastair O’Dell investigates the innovations taking place to meet emerging needs
July/August 2018
We explore the pensions systems within the largest global pension markets: Australia, Canada, Japan, the Netherlands, Switzerland and the USA
July/August 2018
Pensions Age asks the industry which international regulations are having a significant impact on UK pension funds
July/August 2018
Since taking on the role in 2015, Pensions Ombudsman Anthony Arter has overhauled the way the service works, implementing his own vision. Natalie Tuck speaks to him about the role and the cases TPO deals with
July/August 2018
Sandra Haurant explores why pension funds are increasingly investing in emerging markets, and the different ways that they are doing so
July/August 2018
Laura Blows looks at the flood of ESG conversations within the pension fund industry, and whether it is really changing the investment landscape
July/August 2018
Sandra Haurant explores how pension funds are adapting their ratio of liquid asset holdings to meet their changing needs
May 2018
The quest for total cost disclosure remains incomplete but there are plenty of measures for trustees to implement now, finds Alastair O’Dell
May 2018
Sara Benwell considers the eff orts made by the pensions industry to adapt its products to the needs of today’s savers, and what more needs to be done
May 2018
Key person risk – over-reliance on individuals within a company pension scheme who know how it is managed – continues to be a particular problem for the UK. Graham Buck examines whether there is a solution
May 2018
Strong evidence suggests that a more varied workforce is a better performing one. But the pensions sector is playing catch up. What more can it do to promote diversity?
May 2018
The issues affecting contract-based and trust-based schemes, along with master-trusts and SIPPs/SSAS
May 2018
Conflicts of interest are inherent in any pension scheme. Identifying and managing them are part of good governance, says Maggie Williams
May 2018
Geraldine Brassett reveals the best ways to manage member complaints and the importance of learning lessons from them
May 2018
The defined benefit sector has faced mounting issues over the past few years, but has it done enough to stop the blame game and learn from its mistakes? Theo Andrew investigates
May 2018
Nigel Jones talks through the latest anti-money laundering legislation and the responsibilities it places on pension fund trustees
May 2018
h e bodies that oversee the pensions industry are pivotal in the development and evolution of the industry. Natalie Tuck takes a look at the current areas of focus for some of the sector’s biggest overseers
May 2018
Investing in social infrastructure such as schools and hospitals can deliver steady returns to investors and many benefits to communities. With governments increasingly relying on the private sector to plug the social infrastructure gap, opportunities for investing in this asset class have never been greater, writes Raymond Jacobs
May 2018
Pensions Age speaks to ITM’s leadership team as the company embarks on an exciting next stage of development
May 2018
Jonathan Watts-Lay explains how low levels of workplace support are leaving employees at risk of shortfalls in retirement income
May 2018
Aon’s Paul McGlone takes a look at the recent DWP White Paper, Protecting Defined Benefit Pension Schemes, to see what the future might hold for defined benefit (DB) governance requirements
May 2018
Risk-adjusted returns mean as much to ESG investors – those that consider environmental, social and governance criteria in their investment process – as the sustainable impact they seek to attain. SSGA global head of ESG business Chris McKnett discusses how ESG integration and its alignment with factor investing has the potential to improve investment outcomes
May 2018
Modern life presents challenges for pension scheme trustees deciding who receives the death benefit. The expression of wish form can help, but too oſt en it doesn’t reflect members’ changing personal circumstances, reports Graham Buck
December 2017
Longevity is increasing more slowly than expected. It’s bad news for humans – but for now pensions schemes can breathe a collective sigh of relief
December 2017
When it comes to divorce, pensions have been part of the assets up for grabs for many years, but women in particular do not tend to ask for a share of their ex’s pension during proceedings. Natalie Tuck looks at the options of pension sharing, and why, regardless of the outcome, divorce is most-commonly never good for your pension
December 2017
Drawdown has established a firm current rule over annuities in the at-retirement market. But with an advice gap and a dangerous sequence of returns risk, is the product wearing its crown comfortably?
December 2017
Talya Misiri talks to BNP Paribas’ group pensions manager UK, Lee Sullivan, about how the scheme has worked to overcome its lack of member engagement and the importance of delivering tailored and relevant information throughout members’ lifetimes
December 2017
Featuring:

A wider investment world
Pensions Age explores the popularity of multi-asset funds and how they are evolving to meet the changing needs of pension fund investors

Smoothly navigating all market conditions
Unigestion’s cross-asset solutions team believes that the management of risk is at the heart of delivering consistent, stable multi-asset returns

Time to re-invent the default wheel?
Nick Groom reveals how a combination of member profiling and applying a risk-first investment approach improves member outcomes

Seeking an alternative solution
David Greene describes how diversified, absolute-return strategies
December 2017
Why are DB pensions’ journeys to wind up often delayed? Stephanie Hawthorne reports
December 2017
When a scheme sponsor is in distress, trustees must communicate carefully with both members and the sponsor, finds Maggie Williams
December 2017
Talya Misiri speaks to National Federation of Occupational Pensioners CEO Malcolm Booth on the NFOP’s influence on pensioners, schemes and trustees
December 2017
For a year that has seen Brexit take over the agenda, it has still been a busy one for pensions. From the appointment of a new Pensions Minister, to government reviews and consultations, pension scheme closures and court rulings, Natalie Tuck looks back at some of the themes of 2017
December 2017
Matthew Swynnerton looks at the implications for trustees of new data protection laws that come into force next year
December 2017
Richard Williams explores the journey JLT has taken to increase pensions education and awareness amongst employees
December 2017
Graham Moles explores methods of effective cashflow management for DB pension schemes
December 2017
Louise Farrand provides an update on the challenge of LGPS pooling
November 2017
UBS Asset Management explores potential strategies to address critical challenges in a changing world, while Andrew Williams considers the role institutional pension fund managers have to play within sustainable investing
November 2017
Catherine Howarth reveals how pension funds can use their influence as shareholders to address challenges facing low-paid people
November 2017
Vicky Dean examines the importance of class actions for pension funds
November 2017
Craig Mackenzie explains why a more diversified approach to income is necessary in a low-yield world, while Lynn Strongin Dodds explores the investment trends occurring for pension funds to receive a steady income stream
November 2017
Further change is expected to the section 75 debt of multiemployer schemes, which have created a financial nightmare for small businesses and charities. But will it solve the system’s problems asks Graham Buck, or could it even create new ones?
November 2017
The idea of risk sharing in pension savings reached its nadir shortly aſter the 2015 General Election. But there is still a glimmer of hope that some form of defined ambition product could eventually take hold in the UK
November 2017
Natalie Tuck speaks to the recently-elected president of the Pensions Management Institute, Robert Branagh, about his plans for the future of the organisation and how important it is for the industry to work together
November 2017
Duncan Watson explains why being diligent about data quality is a daily duty, while Nick Martindale discovers that the need for pension funds to ensure it has good quality data is coming from a number of sources
November 2017
The industry can sometimes have a fraught relationship with parliament, be it dealing with pensions being treated as a political football, raided when needed to fill Treasury coffers, or simply its cries for a respite from change falling on deaf ears. So what are the recommended approaches for the sector to have a meaningful dialogue with those in government? Those who regularly act as a
conduit between the pensions industry and parliament give their
advice
November 2017
Gill Wadsworth explains how the pensions dashboard is overcoming its detractors and making it a possibility for savers to be able to view all their retirement savings in one place
November 2017
Sarah Hickling and Jonathan Sharp consider how DB regulation in the UK may change
November 2017
Pensions Age speaks to Chris Ramsey about how trustees should take a holistic approach to risk management, while Raji Menon reveals why trustees and sponsors should have an ‘honest’ debate about effective risk management techniques for their scheme
November 2017
David Adams considers the structure and approaches required to create an effective pensions trustee board
November 2017
Darren Philp considers how the master-trust market will develop and its key drivers for change, while Peter Carvill asks whether consolidation is set to accelerate within the master-trust sector
November 2017
Pensions Age speaks to Matt Dodds about the growing importance of ensuring good quality data
November 2017
Lynda Whitney asks whether DC pension schemes are really giving members what they want
November 2017
Jonathan Watts-Lay discusses how the lack of support around pension transfers is posing a real threat to employees
November 2017
Investment automation is steadily playing a greater role in the pensions industry, as providers encourage older members of workplace pension schemes to go online for advice and guidance, reports Graham Buck
October 2017
Nick Martindale considers the impact of robotics and automation of the pensions industry
October 2017
Those who correctly see which innovations will change the world can benefit from becoming early investors in these new solutions. Therefore Pensions Age asks the industry for its predictions as to which sectors will be the stars of the future
October 2017
Stuart Anderson explains how utilising gamification and mobile technology to provide tailored messages can increase pension savers' engagement
October 2017
Talya Misiri speaks to West Yorkshire Pension Fund business development manager Yunus Gajra about how the scheme has innovated over the past few years
October 2017
The pensions sector is shaking off its image as a static and archaic monolith and could soon, with a little help from the government, match the expectations of a new workforce that values personalisation and flexibility above all
October 2017
Talya Misiri considers the protections in place for trustees
September 2017
Adam Cadle looks at the reasons for the increasing number of fines and whether this is set to continue
September 2017
Natalie Tuck speaks to MNOPF chief executive Andy Waring about the fund's success and the next seven years
September 2017
Are drawdown customers fully aware of the risks they may be taking with their savings?
September 2017
Compared to DB, DC passes the bulk of risk onto the member. But there are still a number of risks that the sponsor and trustees hold onto with DC. So what are these 'left behind' risks?
September 2017
Louise Farrand questions whether the concerns about DB schemes' sustainability are justified
September 2017
Natalie Tuck speaks to Pension Protection Fund chief risk officer Hans den Boer on how he keeps track of, and manages, the risks the fund faces
September 2017
DB schemes maturing can often start to become cashflow negative. Thankfully, solutions are out there
September 2017
Raji Menon looks at why trustees need to take a more dynamic approach to risk management
September 2017
David Millar explains how to use people's natural instincts to conform with the majority when planning retirement saving
October 2017
How to cater to the specific retirement saving needs of the young, vulnerable, ‘gig’ workers and high earners
January 2018
Featuring:
• The evolution of pension trusteeship
• How to balance short-term challenges with long-term needs
• Assessing administration standards
• The need for industry standards and technology
• The benefits of collaboration
• The role of master trusts
• A multi-asset approach for accumulation and decumulation
• How to assess pensions model
January 2018
Exploring the risks DB schemes face, the possibility for consolidation and the future of DB pension provision
January 2018
Rather than competing as rival savings products, DC pensions and ISAs – whatever their stripe – are set to sit alongside each other in tomorrow’s workplace benefit packages, which emphasise financial well-being above all else
January 2018
The pensions industry has undergone many reforms in recent years, resulting in a higher number of people saving more within an improved regulatory environment. However, are these changes coming together sufficiently to cater to the needs of new generations of retirees? David Adams finds out
January 2018
The Pensions Regulator has a new approach, acting quickly, clearly and decisively. But is the new much tougher regime working? And how are trustees responding? Sara Benwell explores
January 2018
Pensions Age explores how the UK workplace pension system has evolved from one where DB retirement provision was king, to DC taking the throne as the dominant form of retirement saving
January 2018
Ritu Vohora considers why pension funds should be considering active equity strategies, while Sandra Haurant explores whether pension fund portfolios are seeking active investment strategies to achieve greater returns
January 2018
2018 promises to be another good year for equities, thanks to broad-based economic growth, believes Percival Stanion
January 2018
Baker McKenzie considers the preparatory work required by trustees before the GDPR comes into effect in May 2018
January 2018
The challenges facing small DB schemes, how small employers are coping with auto-enrolment, how small pension pots are being handled and the rise in sole trusteeship
February 2018
Graham Moles talks about managing transfers out of DB pension schemes, while Lynn Strongin Dodds reveals how cashflow-driven investing is fast becoming the dominant investment style for defined benefit schemes
February 2018
Why too much fund choice might be doing DC members more harm than good
February 2018
How to encourage diversity within the workplace and meet the needs of differing savers
February 2018
Behavioural finance research has found how saving for the long term runs contrary to people’s natural behaviour. Laura Blows explores how the industry can implement some simple techniques and technologies to overcome this
February 2018
Budget restraints can be an insurmountable obstacle for many trust-based schemes. But making the eff ort to get closer to members could provide them with long-term benefits
February 2018
As scheme administrators face heavier workloads in the new post-pension freedom era, how are they coping with the pressure?
February 2018
Theo Andrew speaks to Ensign Retirement Plan Trustee Limited member-nominated trustee director and Merchant Navy Officers Pension Fund vice-chair, Mike Jess, on the upcoming new master-trust regulations and how it plans to improve the scheme for its members
February 2018
Almost three years since the introduction of the pension freedoms, Natalie Tuck asks if there is a clear winner in a face-off between annuities and drawdown
February 2018
Maggie Williams considers the pros and cons of outsourced versus in-house administration, at a time when ensuring data standards is ever-higher on trustees’ agendas
February 2018
David Adams explores which of the pensions industry’s plethora of saving structures will dominate in the future
February 2018
Balance sheets appear to be reaching their peak and some central banks have started to announce tapering. Antoine Lesné reveals how ETFs can help investors navigate this changing landscape
February 2018
Jonathan Watts-Lay explores how to help employees understand the risks around accessing their pension
February 2018
Nathan Jones discusses the significance of The Pensions Regulator’s drive on data
March 2018
The number of people entering retirement in debt is set to grow rapidly. Laura Blows explores why this is the case and what the industry can do to help these retirees
March 2018
The growing focus on SRI, the question to divest from or engage with companies, shareholder activism and the 'popularity' of green investments
March 2018
Lynn Strongin Dodds reveals how DB schemes are adopting a much more holistic investment approach to their investment strategies
March 2018
Until now comparing charges has been difficult because there is no standardisation, but things are improving, writes Stephanie Hawthorne
March 2018
With 2017 being a record-breaking year for investments into UK funds, Natalie Tuck speaks to Investment Association CEO Chris Cummings on why the UK is so attractive, what influences pension funds’ investment choices and how the IA is helping the industry to prepare for the future
March 2018
The number of fines imposed by The Pensions Regulator has ramped up in recent months, as it continues on its mission to be ‘clearer, quicker and tougher’. But are punitive measures such as fines the most effective way to
change behaviour and improve standards?
March 2018
Paul Crosbie discusses how to enhance value in the UK real estate market, while Theo Andrew explores how, despite real estate investment in the UK having slowed somewhat over the past year, for pension funds looking to
diversify their portfolio, opportunities remain in regional and alternative asset classes
March 2018
David Rae looks back on the journey of fiduciary management and how it is adapting to meet the needs of pension funds today and for the future, while Graham Buck finds out why opinion divides on how far and how fast the market will expand
March 2018
Funds that consider environmental, social and governance factors can help
members mitigate emerging risks and capture new drivers of long-term growth
March 2018
Robert West and Hannah Moxon look at how 21st century trusteeship requires training, independence and added value
March 2018
Aon’s Susan Hoare identifies the issues pension trustees face, and explores tools that can help
March 2018
Matthew Swynnerton looks at a recent High Court judgment about whether a set of scheme rules permit a change from RPI to CPI
March 2018
Laura Blows finds out how the National Grid UK Pension Scheme managed not one, but two ambitious projects at the same time – outsourcing and overhauling its investment strategy, while also splitting the DB scheme into three autonomous sections
March 2018
Are the concerns about member transfers from the British Steel Pension Scheme just the start of a wider upcoming mis-selling scandal? Laura Blows finds out
March 2018
With many insurers predicting and preparing for record bulk annuity transactions this year, Talya Misiri asks what has caused this upsurge and what interested schemes, trustees and sponsors should do to prepare
March 2018
Recent high-profile company collapses have been accompanied by embattled DB schemes. Action needs to be taken to ensure that future business failures do not overburden the UK’s safety net
March 2018
With pension deficits stabilising or even narrowing over the past year, Britain’s DB sponsors could be forgiven for thinking the worst is behind them. But,
discovers Stephen Bouvier, the twin challenges of investment risk and longevity are lurking in the shadows
March 2018
Featuring:
• The challenges facing DC scheme trustees
• When trustees should encourage members
to make decisions, or lead them into defaults
• Governance best practice
• The increase in master trust regulation
April 2018
Buy-in and buyout pricing was widely reported to have improved significantly over 2017 with the most attractive pricing seen in the market for a number of years. In this article Gavin Smith from Legal & General provides an insurer’s insight as he considers if these pricing levels can be maintained in 2018
April 2018
A Pensions Age survey in association with SimCorp
April 2018
It’s now little over a month until GDPR comes into effect on 25 May 2018. If you haven’t yet started addressing GDPR don’t panic: put a plan in place
and prioritise the key actions. In this article we try to address a few of the difficult questions
April 2018
Market turbulence has created new opportunities, says Andrew Cole
April 2018
Sam Roberts explains the importance of knowing your investment time horizon
April 2018
Steven Andrew explains why pension funds are turning to multi-asset investments for their income needs
April 2018
Pensions Age speaks to CFM’s Philippe Jordan about alternative beta and how pension funds can incorporate it into their portfolios
April 2018
The debate around active and passive investment continues within pension investment. Sandra Haurant finds out where the experts think the smart money should go
April 2018
Laura Blows speaks to Richard Poole, legal director, pensions and employee benefits, Royal Mail Group, about its collective DC proposal
April 2018
Laura Blows considers whether collective DC will be the future of UK pension provision, or whether discussions around its implementation are simply distracting from efforts to solve other industry issues
April 2018
How pension administrators are handling ever-increasing workloads, negotiating service level agreements and switching administrators
April 2018
Louise Farrand considers the increasing pressures facing trustees, with yet more challenges to come
April 2018
Pensions Age speaks to The Pensions Regulator (TPR) non-executive chairman Mark Boyle on how the organisation is adapting to the evolving challenges of regulating pension schemes
April 2018
Maggie Williams reveals how pension schemes are to prepare for the General Data Protection Regulation (GDPR), which comes into force on 25 May 2018
April 2018
A Pensions Age survey in association with SimCorp about pension funds' use of collective investment vehicles
April 2018
Matthew Blakstad discusses how key events in a scheme member’s life can be used as opportunities to engage them with their pension, while Stuart Anderson identifies the most effective ways to communicate with members to increase retirement saving, and considers how schemes can ensure
members receive the most value from their retirement savings
February 2018
Pensions Age speaks to Chris Ramsey about how trustees should take a holistic approach to risk management
November 2017
Helen Steers highlights the trend in the declining number of publicly-listed companies, and discusses the key drivers of this phenomenon and the implications for investors
November 2017
Jonathan Watts-Lay reflects on the latest industry findings since ‘freedom and choice’ in pensions came into play
September 2017
Malcolm Johnson and Matt Baker talk to Pensions Age about new technologies improving services, while Lauren Weymouth explores the importance of interconnectivity between systems
September 2017
David Wickham explores how the downsides of passive investment can be overcome through smart beta strategies, while Sandra Haurant explores the growth of smart beta investing
September 2017
Investec Asset Management reveals the benefits of a multi-asset credit investment strategy, while Peter Carvill explores the reasons for multi-asset credit’s recent boon
September 2017
Ritu Vohora explores whether the time is right for pension funds to focus on cyclical investments
September 2017
John Southall questions the conventional wisdom to implement a de-risking investment strategy during retirement
September 2017
John Wilson explores what the GDPR means for schemes and trustees
September 2017
Jonathan Hawkins tells Pensions Age how to modernise pension scheme technology
September 2017
Wellington describes how listed equities can help round out the impact investing ecosystem, while Wellington Global Impact Fund investors share their ideas with Pensions Age
September 2017
Matthew Swynnerton looks at the Supreme Court’s recent decision about benefits payable to civil partners and same sex spouses
September 2017
Nick Martindale explores how schemes can improve their cyber security
September 2017
Pensions Age speaks to Tim Coulson about the changing nature of the bulk annuity market, while Stuart Anderson explores what schemes need to do to prepare to transact
September 2017
Nicola Thorpe reveals how to future proof your liability-driven investment strategy
September 2017
Sion Cole, senior partner at Aon Hewitt, discusses the evolution of fiduciary management solutions in the UK and how this has helped drive greater transparency
September 2017
Lisa Lyon explores how the upcoming GDPR requirements will affect pension scheme management
October 2017
Suzi Lowther reveals why pension fund trustees need to take a holistic view to pension fund governance
October 2017
Percival Stanion argues that true ‘alternative’ investments are hard to find, but diversification is still possible
October 2017
Laura Blows talks to NEST CIO Mark Fawcett about managing market conditions and compiling the best fund choices for DC members, while Peter Carvill examines how much choice DC members should be given with fund selection
October 2017
Just a few months into the job, Julian Mund is getting stuck into a new daily routine serving as the PLSA’s chief executive. Natalie Tuck speaks to him about the future of the association and his thoughts on some big industry topics
October 2017
David Millar explains how to use people’s natural instincts to conform with the majority when planning retirement saving
October 2017
David Adams questions what more can be done to encourage self-employed ‘gig workers’ to save into a pension
October 2017
Patrick O’Connor explains how smart beta has adapted to meet the changing needs of investors
October 2017
Cindy Rose looks at the growing importance of environmental, social and governance matters within a pension fund’s investment portfolio, while Andrew Williams examines why interest in ESG strategies continues to rise
October 2017
David Morley at Eaton Vance discusses how non-traditional global defensive equity can be the ‘core’ of an alternative allocation
October 2017
Bob Noyen explains the advantages of currency investment within a pension fund portfolio, while Sandra Haurant explains why currency investment should be at the forefront of investors’ thinking
October 2017
Craig Scordellis reveals how to capture opportunities, including income, and minimise volatility among diverging markets, while Lynn Strongin Dodds considers why pension fund investors should explore the differences between different MAC strategies
October 2017
Raji Menon considers how biometrics may play a crucial role within pensions
October 2017
Pensions Age speaks to Tim Coulson about the changing nature of the bulk annuity market, while Stuart Anderson examines the current state of the bulk annuities market and what schemes need to do to prepare to transact
September 2017
Percival Stanion discusses the attractive opportunities in European and UK equities
July 2017
Charles McCready reveals why TISA’s KickStart Money campaign is providing financial education to primary school children
July 2017
The Plain English Campaign group calls for simplification within pensions
communications to reduce member uncertainty
July 2017
As increasing numbers of people reveal they are suffering from financial stress, Laura Blows looks at its impact, both upon individuals and their workplace, and
what employers can do to reduce the problem
July 2017
Sandra Haurant looks at the current accessibility of frontier markets for pension
funds and what differentiates these regions from emerging market geographies
July 2017
Lynn Strongin Dodds looks at how political risk can affect pension funds and the strategies that should be put in place to combat this
July 2017
Louise Farrand looks into the challenges created by the increasing numbers of school academies’ staff joining the LGPS
July 2017
David Adams explores the challenges of funding long-term care and how the pensions industry may help provide solutions to this problem
July 2017
Laura Blows reveals why a greater focus will increasingly be placed upon deferred members
July 2017
With the government pushing for the pooling of local government pension scheme investments, Natalie Tuck speaks to the Local Pensions Partnership about why it came into being, and how other funds can get involved
July 2017
In an age where gold-plated DB schemes are becoming a thing of the past, pensions are no longer seen as a shiny workplace benefit. But are employers doing enough to provide a generous pension, compared to other benefits?
And what benefits can this have for both the employee and employer? Lauren Weymouth explores
July 2017
In the changing retirement landscape, Talya Misiri discusses IFAs’ experience
of pension regulations, new technologies and alternative retirement income sources
July 2017
A year on from the inaugural conference, the subject has moved on from what may happen if the UK votes for Brexit, to how pension funds can continue to hit targets regardless of the UK’s departure from the EU. Delegates were treated to a range of talks from experts across the pensions industry
July 2017
As Brexit negotiations begin, James Walsh reviews the EU regulations that currently affect the UK pensions market
July 2017
Andrew Swan explains why pension fund trustees are widening their fixed income allocations to include private debt assets, while – Andrew Williams explains how multi-asset strategies are helping pension fund managers to diversify investment risks and opportunities, particularly within credit portfolios
July 2017
There is room for improvement in the ways trustees manage pension risks, particularly in areas such as managing non-traditional risks (e.g. cyber and data
protection), documenting risk strategies, establishing good value for members and simply finding more time to consider pension risks in a holistic manner
July 2017
Percival Stanion sees attractive opportunities in European and UK equities
July 2017
Karen Watkin talks about how to benchmark performance and assess value for money when monitoring default strategies over a 12-month period
July 2017
David Hutchins explains how AllianceBernstein ensures its target-date fund range continues to innovate to meet the needs of investors
June 2017
In such a complex, technical world, it’s important the pensions industry can communicate and empathise with members on a more basic level, with the aim of securing the best outcomes at retirement. But just how prevalent are soft
skills among the industry? Lauren Weymouth explores
June 2017
Fiduciary management is now increasingly available to small-sized DB pension schemes. Adam Cadle analyses this development and looks at how fiduciary management works in this sized market
June 2017
Lynn Strongin Dodds looks at the ways smaller DB schemes are now widening their investment choices to ride the prolonged low interest rate environment
June 2017
Louise Farrand explores the growing number of options available for small-sized DB schemes looking to de-risk
June 2017
With more small businesses reaching their auto-enrolment staging dates, Talya Misiri talks to the Federation of Small Businesses policy adviser Alex Metcalfe about the challenges and benefits of auto-enrolment and future pension reform
June 2017
Fears of an auto-enrolment capacity crunch have not materialised to date, but a wave of small value contributions have exercised minds in trust-based schemes
June 2017
Laura Blows explores whether the next generation of DB scheme trusteeship
has arrived through the growing number of sole trustee appointments
June 2017
Joe Dabrowski explains why the PLSA’s DB Taskforce is advocating the benefits of consolidating DB schemes
June 2017
Following TPR’s findings that the number of DC schemes in the UK declined by only 3 per cent last year, Laura Blows finds out what’s behind this slowdown in consolidation
June 2017
Natalie Tuck speaks to agricultural equipment manufacturer AGCO’s pensions manager Debbie Spiby on why the company transferred its DC scheme to a master trust and the benefits of the move
June 2017
David Adams explores the unique issues facing those managing small-sized DB schemes
June 2017
David Harris explains how a smart sustainability index can give pension providers controlled, sustainable exposure, while Sandra Haurant analyses
developments within the local government pension schemes pooling sphere and what needs to be done ahead of the April 2018 deadline
June 2017
Garry Wake reveals some often-overlooked disadvantages to using one provider for both administration and actuarial work
June 2017
Paul Enderby and Tim Dougall explain how outsourcing can be beneficial for resource stretched small DB and DC schemes
June 2017
Matthew Swynnerton looks at issues for trustees to consider in relation to the introduction of the pension advice allowance
June 2017
All pension funds have risks – the challenge is identifying, prioritising and managing them in a consistent manner which adds value to both trustees and
sponsor. Eddie Hodgart describes below some options for trustees to consider
June 2017
Jonathan Smith explores the options for additional returns alongside LDI
June 2017
Nicholas Hardingham reveals how undertaking a blended approach to emerging market debt can provide attractive results for investors
June 2017
Andrew Hayward reveals how implementing a data cleanse exercise can actually save a scheme money in the long run
June 2017
Blockchain technology has been gathering a lot of attention for its potential to ‘revolutionise’ the financial sector and beyond. Laura Blows explores its potential applications within the pensions industry
October 2016
Liz Gane tells how her experience as a woman in the pensions industry has changed over the years
May 2017
Steve Wardlaw asks whether the pensions industry will push for LGBT equality or be pushed into it via court cases
May 2017
The type of scheme an employee is enrolled in determines whether low-paid earners receive tax-relief on their contributions, but the government has said it is “not possible” to change this. Natalie Tuck investigates
May 2017
Peter Carvill looks at the different investment needs and considerations of DB and DC funds, their differences and similarities, and whether those are quite so pronounced as the edges between the two are blurring
May 2017
Trustees are facing an increasing number of challenges, due to increasingly onerous regulations, new investment products to understand and growing scrutiny of their role. Louise Farrand looks at how trustees are managing this pressure
May 2017
Adam Cadle looks at how pension providers promote pensions as a product to customers at a crucial period in the private savings programme
May 2017
The weight of opinion against perceived conflicts of interest among consultants offering products looks likely to lead to FCA regulation. David Rowley looks at both sides of the argument
May 2017
Despite widespread expectations that technology will revolutionise, and in many cases take over, humans’ jobs, Gill Wadsworth finds that the majority of those working in the pensions industry will not be so easy to replace
May 2017
Looking at data to note trends or make predictions is a tricky game to play, especially when the nature of the pensions industry keeps changing, potentially
rendering previous findings irrelevant. Laura Blows looks into the process of obtaining meaningful information through data analysis
May 2017
With the government concerned with political popularity and regulators focused on pleasing the government, is the pensions industry ever really listened to? Natalie Tuck investigates
May 2017
John Kenchington discusses the methods required to fix the pensions industry’s image problem
May 2017
It’s well established that diverse boards usually improve company decision making and business performance. Pension funds are waking up to this reality,
but there’s still a lot of work to be done
May 2017
Neil Scott explains the training that will be provided through the new Workplace Pensions Trailblazer Apprenticeship standard, and the support the government will provide in the training of apprenticeships
May 2017
Technological solutions and cost pressures may be reducing the use of professional advisers by pension schemes, Ben Kemp says, but they still have a vital role to play
May 2017
Adam Cadle talks to PPF CFO Andy McKinnon about levy proposals, pre-pack sales and investment decisions
May 2017
Mike Brooks looks at what’s in store for those searching for income across asset classes, while Sandra Haurant looks at the structural and demographic challenges currently affecting global interest rates and how pension funds can diversify to boost incomes
May 2017
Trustees of many mature defined benefit pension schemes face the dual challenge of paying scheme members while trying to close funding gaps. Dynamic multi-asset funds, which are designed to deliver both asset growth and income, are well aligned with pension fund needs. Andrew Williams
analyses the latest levels of DGF usage and how the investment vehicles are proving to be an integral part of any investment portfolio
May 2017
The People’s Pension’s director of policy and market engagement, Darren
Philp, chats to Pensions Age about the developments occurring within the pensions industry and master trusts’ role within this new order, while David Adams explores the predicted future trends in the master trust space and any hindrances that need to be ironed out for the benefit of members
M
Paul Enderby discusses the benefits of outsourcing DC investment
May 2017
As UK pension arrangements continue to mature/evolve, the challenges and risks they face are changing and, in fact, increasing. Eddie Hodgart of national audit, tax and advisory firm Crowe Clark Whitehill asks, are trustees (and sponsors) doing enough to recognise and manage these risks effectively?
May 2017
Matthew J. Bullock explains why investors should focus on defining objectives when constructing multi-asset portfolios, instead of starting from an ‘asset classes’ base
May 2017
David Adams analyses the behavioural habits and attitudes people have towards retirement saving
April 2017
New research has revealed groupthink is becoming increasingly present among trustee boards, as a challenging environment couples up with a lack of confidence among board participants. Lauren Weymouth explores why it’s occurring and how the industry can help to prevent it from having disastrous consequences
April 2017
Richard Butcher talks MNTs and about the ‘vacant seat trustee’
April 2017
Investment Association director of corporate governance and engagement Andrew Ninian speaks to Natalie Tuck about the role of the asset manager in pension fund shareholder activism
April 2017
The BHS scandal highlighted bad employer practices, but good employers could benefit as a consequence. David Rowley reports
April 2017
Joanne Tibbott looks at how pension schemes manage and keep records
of online communications and the legal requirements needed to protect
themselves from any risks
April 2017
Following the introduction of the pension freedoms, a lack of understanding regarding retirement saving planning, and pension accumulation in general, has come to the fore. How can savers be saved from picking the wrong options?
April 2017
Eric Lonergan explores what neo-nationalism could mean for multi-asset
investors, while David Rowley reports on how pension funds are deploying multi-asset funds
April 2017
ABI director of policy, long-term savings and protection, Yvonne Braun explains the planning route behind the pensions dashboard
April 2017
Louise Farrand examines the benefits of integrating the pensions dashboard within the industry and how this can best be implemented
April 2017
Gill Wadsworth explores the idea of ‘shopping around’ and whether this has been inherent within the drawdown space following the freedom and choice reforms
April 2017
Raji Menon looks at how adapting rules to bring in millions of people with multiple lower paid jobs and the self-employed under AE can be achieved
April 2017
Jeremy Goodwin looks at the pensions landscape for the next 20 years
April 2017
Pensions Age celebrates its 20th anniversary this month. Francesca Fabrizi reflects on a pensions world that has seen so much change
April 2017
Jonathan May believes that multi-sector credit should be considered to navigate the breadth of credit opportunities
April 2017
James Burdett, Jonathan Sharp and Jon Unger look at how an asset-backed funding structure can help fill the pension deficit gap
April 2017
Jonathan Watts-Lay explains how the LISA can become an integral part of the overall savings model
April 2017
Michael Walker explains why a phased approach in the bulk annuities space can help pension scheme funding
April 2017
Target Professional Services client manager Andrew Hayward explains why and how trustees should be engaging with essential record keeping
April 2017
As more investors benefit from factor-driven approaches, there’s growing recognition that broader adoption could help them target their specific investment goals
March 2017
Following transfer values reaching record highs, Louise Farrand asks if this has led to a surge of members moving their money from DB to DC schemes
March 2017
As auto-enrolment becomes the norm, Talya Misiri considers how employers could increase contribution rates in the volatile financial climate
March 2017
Laura Blows speaks to Thomson Reuters’ head of EMEA and APAC benefits, Matthew Webb, about how, and why, it was decided to provide a drawdown service within the scheme to members
March 2017
Discredited by the Office for National Statistics, but hardwired into many scheme rules, will the government finally give all defined benefit schemes the chance to switch from RPI to CPI? David Rowley reports
March 2017
Gill Wadsworth reveals the difficulties of accurately determining pension scheme deficits
March 2017
As environmental, social and governance issues rise up the global investment agenda, Natalie Tuck looks at the pressures on pension funds to invest responsibly
March 2017
Pieter Steyn asks whether your fiduciary manager really is as good as they say they are, while Lauren Weymouth explores whose duty is it to oversee the fiduciary management work being done, and how schemes should measure performance
March 2017
DB shortfalls are threatening to scupper the plans of both schemes that are on the route to de-risking and the few that remain open. Some trustees are prepared to take the fight to their deficits with their investment strategies. But which weapons should they be using?
March 2017
Adrian Jones tackles some of the concerns about infrastructure debt investing and discusses why pension funds should consider the first-mover advantage
March 2017
Pioneer Investments head of UK institutional business Jonathan May believes that floating rate securities could be a useful portfolio diversification tool in a rising rate environment
March 2017
Matthew Swynnerton looks at TPR’s response to its discussion paper on the modern trustee and scheme governance
March 2017
Darren Philp explains why an actuarial certificate is not the most efficient
way to ensure quality when consolidating DC schemes
March 2017
Andrew Warwick Thompson reveals TPR’s top tips for preventing scams
March 2017
Aon Hewitt senior partner John Belgrove looks at the different characteristics of trustee boards and how behavioural biases can be avoided
March 2017
Julie Yates explains why financial education – both at work and further afield – is vital if members are to get the most out of their pension
March 2017
Equiniti survey finds detailed breakdown suggests perception and reality gap
April 2017
Percival Stanion explains why it is now time to take more risk
April 2017
Percival Stanion explains why gold represents a valuable hedge and portfolio diversifier
October 2016
The Institute and Faculty of Actuaries (IFoA)’s Charles Cowling asks for GMP equalisation clarification following the Brexit vote
February 2017
With growing liabilities and the difficulties in implementing further reform, sustainably funding public sector schemes is proving a challenge. David Adams finds out more
February 2017
Talya Misiri considers the importance of good data management, ways of
taking action and what to expect in the future
February 2017
A project to amend the notoriously tricky IFRIC 14 guidance, surging interest from regulators in pensions accounting, not to mention falling yields and rising
inflation, mean pensions accounting is now more than ever a minefield for the unwary. Stephen Bouvier explores the issues
February 2017
Lynn Strongin Dodds asks whether the DC charge cap is restricting product choice for pension scheme investors
February 2017
Getting the right advice is essential for trustees, but just how many advisers are needed to successfully run a scheme? And is there such a thing as too much advice? Lauren Weymouth explores
February 2017
Laura Blows looks at what the pensions industry is doing to make communications accessible for all
February 2017
Now more than ever, pensions administrators have a lot to manage. Adam Cadle asks administrators what they think the biggest challenges are for 2017
February 2017
Paddy Briggs looks at the role of trustees in the new era of closed DB schemes
February 2017
Natalie Tuck speaks to three different trustee associations to find out if trustee boards really are stereotypically old, white males and what diversity really means
February 2017
The balance of power over pensions policy has tipped in favour of the Treasury in recent years, leading to some claiming that retirement saving has been damaged as a result. What can be done to give the Department for Work and Pensions more of a say, and restore some equilibrium?
February 2017
Niall Alexander explores how fiduciary management for DC can keep the focus on investments to deliver the best outcome for members, while Sally Ling examines why fiduciary management is now being implemented for D C investment management
February 2017
Jonathan Watts-Lay explains why employees are left vulnerable to making poor decisions, which could lead to a reduced income at-retirement
February 2017
Given the increasing frequency of volatility events, Jonathan May believes institutional investors need to seek out strategies that aim to offer consistent diversification and the capability to preserve capital
February 2017
Matthew J. Bullock discusses how diversified growth funds can protect against volatile markets
February 2017
With membership declining and costs rising, DB schemes can be considered to be in freefall. Or are they? David Adams examines the ways DB schemes’ issues can be tackled and asks whether DB problems are really as insurmountable as they appear
January 2017
Occupational schemes have had to absorb much change in recent years. But the uncertainty created by fundamental shifts in pension provision are making it
harder than ever for trustees to meet changing saving expectations
January 2017
Sandra Haurant looks at the challenges facing the investment world in the year ahead
January 2017
For all those who would like to see a five-year moratorium on new pensions legislation, 2017 looks likely to be a frustrating year. David Rowley reports
January 2017
Featuring:
• The brace of reforms putting trustees at tipping point
• How real estate investment can beat inflation returns
• Making administration documents accessible to all
• How to help members transfer pensions easily
January 2017
Percival Stanion looks at which investments are likely to fare the best – and worst – in 2017
January 2017
Kate Atkinson and Patrick Harte discuss the impact of the Horton v Henry case, which decided that a person’s pension fund is secure in the event of bankruptcy
January 2017
Laura Blows explains why life expectancies increasing to age 1,000 may not be as far-fetched as it first appears
December 2016
In recent years, increasing attention has been placed on pension fund investors’ holdings in fossil fuels, with a number now moving away from investment in these fuels. So, is now finally the time that pension fund investors turn away from fossil fuel investment? Andrew Williams finds out
December 2016
Annuities may have taken a kicking following freedom and choice, but there’s still a place for retirement savers to have a product that provides a regular, guaranteed income. Lauren Weymouth explores how the annuities market is evolving to meet the changing marketplace
December 2016
The ‘freedom and choice’ reform was greeted positively by savers. But being free to do what they wish with their pension pot also means they are free to spend their savings too quickly or make investment mistakes. Gill Wadsworth explores how to prevent the money running out
December 2016
Louise Farrand explains why, following a slow start to the year, the bulk annuity market is starting to pick up pace
December 2016
Adam Cadle talks to Pensions Minister Richard Harrington about the current pensions landscape and his hopes for the industry
December 2016
The victories of Trump and Brexit in 2016 highlight that the establishment is under threat and pensions is no different. David Rowley reviews the big events in pensions this year
December 2016
Should The Pensions Regulator be more involved with pre-pack arrangements? David Adams investigates
December 2016
Matthew Swynnerton looks at two of the key pensions announcements in this year’s Autumn Statement
December 2016
Jonathan Watts-Lay reveals the key requirements for trustees when providing advice to DB members regarding pension transfers
December 2016
Sophia Singleton explains how the use of member analytics can improve DC schemes’ investment and communication strategies
December 2016
Frankie Borrell reviews the developments that have occurred in the bulk annuities market throughout 2016
December 2016
As LGPS funds start pooling together into six multi-billion-pound wealth funds, Lauren Weymouth explores why the aim has been so controversial and
what risks and opportunities lie ahead
November 2016
Louise Farrand reviews how pension funds are increasingly making their voices heard to call out irresponsible practices in the businesses in which they invest
November 2016
The fee system within the pensions industry relies strongly on an element of cross-subsidy. As there is now a greater focus on costs, and more transparency thanks to technological developments, Laura Blows asks if the
current charging structure is still sustainable
November 2016
Trustees need to work with a range of external advisers and service providers to help them achieve a high standard of scheme governance. Sally Ling explores what is needed to create a good working relationship and looks at the common sources of problems
November 2016
The need to better balance risk in pensions provision has never been
more acute. But is the UK actually getting any closer to achieving a
middle ground? Marek Handzel finds out
November 2016
Charlotte Moore looks at whether independent governance committees (IGCs) have maintained a level of autonomy or if there is any room for improvement
November 2016
Master trusts have been experiencing a boom in popularity ever since the introduction of auto-enrolment. But with this growth has been increasing concerns over the viability of so many master trusts in the system and their protections (or lack thereof) for members. David Adams explores how the recent Pensions Bill, along with industry efforts, will begin to overcome these challenges
November 2016
With the deadline for the pensions dashboard prototype approaching, Talya Misiri questions the sustainability of the tool and the challenges it may present
November 2016
Aon Hewitt’s Sion Cole examines why it is important for investors to look beyond the headline number and get full fee transparency
November 2016
David Bint reveals how the Enhanced-Diversification Growth Fund benefits investors looking for low-volatility growth
November 2016
David Watt highlights some of the key points for pension schemes to consider when selecting an insurer for a buy-in or buyout
October 2016
Claire Collier examines how court cases and legislation can reveal tips for trustees on how to successfully implement fiduciary management
October 2016
Julie Moret explains how ESG is different from ethical investing, offering a new lens for asset managers to analyse risks and opportunities
May 2016
Toby Hayes explains why investments should be divided into four risk styles –
growth, opportunistic, defensive and stable
June 2016
It’s said that ‘the past is like another country, they do things differently there’. With this in mind, Laura Blows speaks to the Pensions Archive Trust (PAT) chairman Alan Herbert about why there is a need for the PAT and
what can be learnt from past pensions events
July 2016
The ILC’s Dave Eaton explores the impact of a longer working life on retirement saving
July 2016
Gill Wadsworth explores how the pensions industry can help individuals fund long-term care needs in old age
July 2016
Adam Cadle outlines the LGPS-charity problem and the ramifications of this on charities’ future sustainability
July 2016
Nowadays employers have a wide variety of employee benefits to offer to staff. With this in mind, David Adams asks whether a workplace pension still has value as a staff recruitment/retention tool
July 2016
Adam Cadle talks to Weetabix Group Pension Scheme chair of trustees Ian Forrest about the recent successes within its retirement plans and what the future holds
July 2016
With an ageing population and the ‘grey vote’, pensions spending has increased, whilst governmental nonpensioner spend has declined. Natalie Tuck explores what can be done to create equity between the generations
July 2016
A pick-and-mix retirement product being created by super funds in Australia would appear to offer tailored and sophisticated outcomes for retirees. David Rowley reports
July 2016
Target-date funds are popular in the US but have yet to catch on in the
UK. However, following pensions freedoms, will TDFs become the
solution of choice for people to invest ‘to and through’ retirement?
Laura Blows finds out
July 2016
Lynn Strongin Dodds examines the various pension fund investment trends occurring globally
July 2016
The World Pensions Council’s M. Nicolas J. Firzli warns the UK to tread slowly following Brexit, as one-nation Tories will try to get a ‘better deal’ first
July 2016
In the race to build a pensions system fit for the modern world, how does the UK stack up against its global comparators?
July 2016
Ashley Fagan explains how pension fund investors use ETFs (Exchange-Traded Funds) for a growing range of applications across asset classes. while Sandra Haurant comments on the changing shape of the ETF industry and how these investment vehicles are becoming more commonplace in pension funds’ strategies
July 2016
Percival Stanion reveals that after the Brexit shockwave lies opportunity for pension fund investors
July 2016
Stuart Lingard explains why higher interest rates may not be as beneficial as it first appears for pension funds
July 2016
Susan Hoare explains why it is important to create the time for strategic planning
July 2016
Alyssa Manning examines how the US is now following the UK’s lead in pension risk transfer
June 2016
UBS Asset Management publishes a white paper Lower for Longer which analyses the underlying factors that have recently suppressed inflation. The paper also looks at the latest macroeconomic data and for pointers indicating how inflation is likely to evolve in the near future. Despite it being a challenging environment for investors, there are some effective tactical solutions to alleviate the effects of negative interest rates
June 2016
Malcolm Jones explains how Standard Life Investments’ Enhanced- Diversification Growth Fund (EDGF) provides more effective pension investment provision than standard DGFs, while Edmund Tirbutt analyses the usage of DGFs among DB and DC pension funds and how these investment vehicles can affect scheme returns
April 2016
Peter Vincent explains how the new generation of multi-strategy, multi-manager
alternative funds offer a practical way of reducing the overall risk of growth portfolios, and Sandra Haurant explores the state of the hedge fund market and what opportunities remain for pension fund investment
April 2016
Time to consider a new investment approach
April 2016
Percival Stanion explains how a well-diversified portfolio can achieve a positive return on investment, despite the current pessimism around the global
economy
April 2016
The Pensions Age/ITM half day seminar looked at the GMP maze and how a degree of clarity can be brought to the GMP reconciliation arena
April 2016
Calum Mackenzie reveals Aon Hewitt’s checklist for trustees to help remove behavioural bias from decision making
April 2016
Paul Myles explains the broader diversification benefits that occur when investing using styles
April 2016
Adam Cadle asks if auto-enrolment is under threat as a result of the Lifetime ISA announcement, and explores whether auto-escalation can further boost AE
April 2016
The pension freedoms have propelled the issue of low take up of advice into the spotlight and new technology seems to be the solution. Natalie Tuck examines whether ‘robo-advice’ really can bridge the advice gap or if it’s all
just science fiction
April 2016
Saving for retirement can be a long and complicated journey. Lauren Weymouth explores whose role it is to take the driving seat and help members get the best outcomes
April 2016
NSAFS’ CEO Peter Pledger talks to Laura Blows about the charity’s work to improve peoples’ understanding of pensions, and how its free online tool for employers to provide to employees can help achieve this aim
April 2016
The regulatory landscape for higher earners’ pension savings has altered considerably — and regularly — over the last decade. Peter Carvill asks what effect this has had on saving, particularly in light of the government’s recent budget
April 2016
In the midst of an active campaign against climate change, Lauren Weymouth speaks to Environment Agency Pension Fund (EAPF) head of pension fund
management Dawn Turner about overcoming challenges and pooling success
April 2016
The Pensions Advisory Service is set for a shake up as the Chancellor announced in the Budget that it is to merge with Pension Wise, for which it is already a delivery partner. Natalie Tuck speaks to TPAS’ chief executive Michelle Cracknell on the merger and how TPAS has adapted to the changing world of pensions
April 2016
Chancellor George Osborne’s pensions freedoms shook the pensions industry. David Adams investigates the effects of these reforms one year on from implementation
April 2016
It has taken over a decade for the majority of DB trustees to become comfortable with covenant assessment. But the long journey has been worth it as schemes and sponsors now interact in a sophisticated and mutually beneficial way
April 2016
Gill Wadsworth looks at the issues surrounding DB to DC transfers and what factors will affect the rate of increase in this area
April 2016
Laura Blows explores why large sections of society are not saving enough for retirement and what can be done to address this problem
April 2016
Peter Vincent explains how the new generation of multi-strategy, multi-manager alternative funds offer a practical way of reducing the overall risk of growth portfolios
April 2016
Patrick Houweling explains how factor investing can be an advantageous
strategy within credit markets, while Peter Carvill explores the rise of smart beta, its issues and what its long-term prognosis may be
March 2016
Strong economic and demographic fundamentals in the UK regions are creating private rented sector opportunities comparable with those in the capital, writes Philip Nell, fund director of the VISTA UK Residential Real Estate Fund
March 2016
Adam Cadle analyses latest research detailing the trends in the UK’s DB private sector pension scheme investment landscape between 2011 and 2014
March 2016
Transition management is continually gaining momentum in the defined benefit pension space but limited demand still remains in the defined contribution
field. Edmund Tirbutt explores why this is the case and how the market could change further
March 2016
Padràig Floyd analyses the influence of fiduciary management on the pensions market and the levels of scrutiny it is undergoing
March 2016
The freedom and choice reforms mean an increasing number of people will have to understand investment matters, having never done so before. Laura Blows explores the current level of investment knowledge and interest amongst DC scheme members, how to communicate investment matters and why improvements need to happen fast
March 2016
Fighting investment risks in today’s unpredictable age of central bank
intervention, unstable markets and legislative reforms is a challenge for both DB and DC schemes, finds Marek Handzel
March 2016
David Adams analyses the morphing landscape of default funds and how more innovation may yet be around the corner
March 2016
The response to the consultation on pension transfers and early exit charges was published in February. Matthew Swynnerton comments on its key proposals and the potential impact for trustees
March 2016
The UBS Pension Insights publication assesses a range of methods to enable trustees to find a balance between meeting long-term liabilities, achieving sustainable growth and producing a positive cash flow
March 2016
Jonathan Watts-Lay reveals the findings of WEALTH at work’s survey, which looked at how employers are adapting to pension freedoms
February 2016
David Hillier of Insight Investment explains the role China and oil can play in the investment market over the year ahead
February 2016
The Pensions Regulator recently launched new guidance around the need for integrated risk management within pension funds. Gill Wadsworth looks at the issues surrounding this and the investment, funding and employer covenant equilibrium
February 2016
Edmund Tirbutt analyses the state of public sector pension scheme governance and the cost disparities within the LGPS funds
February 2016
Adam Cadle speaks to Pensions Administration Standards Association (PASA) chair Margaret Snowdon about the organisation’s progress to date and its aims
and ambitions for the administration landscape
February 2016
The investment-grade bon market performed poorly in 2015, with indices reporting negative returns. Lynn Strongin Dodds outlines the problems for this market and what investors must do to ensure it remains an important part of their portfolios
February 2016
The introduction of the single-tier state pension from April 2016 will bring about the end of contracting out for DB schemes, triggering a requirement for schemes to reconcile their contracted-out membership and GMP records with HMRC. Adam Cadle examines why this process is such a tangled web
February 2016
David Adams delves into the industry’s developments to enhance value for money on pension fees
February 2016
China, the ‘epicentre’ of the emerging markets, has suffered a slowdown that
has rocked the rest of the emerging markets; Natalie Tuck asks whether they are a rollercoaster worth riding
February 2016
Following the pension freedoms, administrators have been under increasing pressure to perform well under intense and time-sensitive circumstances. Lauren Weymouth explores what the major challenges have been and how the industry has worked together to get to the end of the race
February 2016
Pension schemes and their sponsors faced major accounting challenges with the introduction of FRS 102 during 2015. Yet the frantic pace of change on the
accounting and regulatory fronts is set to continue during 2016, Stephen Bouvier writes
February 2016
The pace of change in pensions legislation has reached a level not seen since A-day. As trustees try to keep the government and regulator happy, Marek Handzel argues members are now in danger of being left out of the picture for too long
February 2016
Dominic Moret explores the different ways a pension scheme can de-risk while on the route to full buyout
25/01/2016
Gavin Smith of Legal & General's Bulk Annuity and Longevity Insurance tam explains why now might be a good time for smaller schemes to settle their liabilities and how to get the most out of a bulk annuity transaction
September 2015
In a second article in our series of five, Ashley Fagan looks at how pension funds can use exchange traded funds (ETFs) as well as index futures contracts to access equity indices
23/09/15
Recent entrances and exits by key players pose the question of where the fiduciary management market is headed. Graham Buck asks whether it is ready to take both larger pension funds and DC schemes
15/09/15
Whereas smaller DB schemes are building up solid investment strategies, their DC trust-based counterparts are still struggling to construct the type of investment funds that their members can comfortably live in
10/09/15
From limited resources to weak negotiating positions, small schemes have got the odds stacked against them as governance expectations pile up, finds Marek Handzel
09/09/15
Paddy Briggs talks to Pensions Administration Standards Association chairman Margaret Snowdon about measuring and improving the quality of administration in pension funds
September 2015
Malcolm Johnson talks about the importance of de-risking your pension administration solutions
April 2015
David Adams explores the latest trends and scientific predictions around longevity
July 2015
Paddy Briggs talks to the CEO of The Pensions Regulator Lesley Titcomb about the role of regulation in the ‘brave new world’ of pensions
July 2015
Diversified growth funds have increasingly grown in popularity since their introduction 10 years ago. Natalie Tuck examines why they are becoming
commonplace in defined contribution schemes and how they have a bigger role to play since the introduction of the pension freedoms
July 2015
Class actions can bring significant gains for pension schemes, but they also carry heavy risk, in terms of both time and costs. Sally Ling examines whether UK schemes are looking at these actions, how to participate, and how to minimise the risk
July 2015
Laura Blows speaks to the IFoA’s chair of its pensions board, Gareth Connolly, about the various risks pension schemes need to consider
July 2015
Pranav Yajnik and Laura Clarke explore the considerations of the new shared parental leave regime for pension fund trustees
July 2015
Nadine Wojakovski examines the day-to-day investment risks that trustees need to monitor
July 2015
In 10 years the Pension Protection Fund has become a vital part of the pensions industry, making great strides to protect members of defined benefit schemes. As it celebrates its 10th birthday, Natalie Tuck speaks to PPF general counsel David Taylor on its achievements to date and what will be wished for as the birthday candles are blown out
July 2015
Edmund Tirbutt explores the various options DB trustees have to de-risk their schemes
July 2015
Wyn Derbyshire explains what the HMRC’s stricter requirements mean for the future of QROPS
July 2015
Jackie Daldorph explains how creating more stable pension schemes means
creating time for action
July 2015
Ashley Fagan explains how pension funds are benefiting by using exchange traded funds (ETFs) for their indexing investments
July 2015
Catherine Doyle explores the developments in store for DC scheme investment following its recent changes
July 2015
Alistair Wilson casts a calm eye over the current events causing concern for
fixed income investors
July 2015
DC schemes have seen much focus on costs lately, but how can schemes ensure that they are truly getting value for money, asks Pádraig Floyd
July 2015
Following both the Royal Mail and M&S’ pensions surplus announcements, Lynn Strongin Dodds explores whether there are lessons to be learnt in how to
decrease deficits
July 2015
John Towner considers the top three questions for schemes considering a buyout, buy-in or longevity insurance
Juy 2015
Lynn Strongin Dodds explores the range of alternative investments available to pension fund investors
July0215
Tom Ground, head of bulk annuities and longevity insurance at Legal & General, explores why funding a buyout may be more affordable than thought, with the potential closure of a funding gap by 25%
May 2015
Matthew Giles and Alexandra Morton discuss the confusion that still surrounds GMP equalisation on the 25th anniversary of the Barber ruling
18/05/2015
As a regular adviser to the government on pensions and later-life issues, Dr Ros Altmann has a unique insight into the government/pensions industry relationship. Laura Blows finds out more
October 2014
Pension schemes have probably never been more complicated to run and, if anything, this is going to become harder still. With so much on the horizon,
the importance of making sure your pension scheme administration is robust and shipshape has never been greater. But without the right lifeboats and life jackets this could be sink or swim for many…
February 2015
Despite its recent growth in the UK, fiduciary management still raises some concerns among the pensions industry. Lauren Weymouth explores whether
these reservations are justified
October 2014
Adam Cadle speaks to Carey Pensions UK CEO Christine Hallett and IBB head of Sharia compliance Samir Alamad about the mechanics behind the Islamic Pension Trust
October 2014
To encourage recruitment and retention for its DC scheme, oil company Total UK implemented an age-related contribution system that aims to provide
members with a pension pot similar to what they would have received in DB. Laura Blows finds out more
October 2014
Legal & General explains the different choices available to larger pension schemes looking to insure longevity risk
October 2014
The last general election delivered an unexpected result for the pensions industry – and the past five yearshave seen huge changes to state and private pensions.David Adams explores the pensions policies being campaigned by the political parties before what may be the most unpredictable general election for a generation
October 2014
For many years, parliament has been accused of being too ‘short term’ in its handling of pensions issues, resulting in long-term implications for the industry.
Peter Davy examines the relationship between politics and pensions
October 2014
Lynn Strongin Dodds explores how a company's pension deficit can affect investor sentiment
October 2014
Matthew Swynnerton explains the issues trustees need to consider when offering a partial transfer
October 2014
As DB schemes approach their end game, Chris Bowie questions whether they should reconsider their approach to bond investments
January 2015
Mark Johnson explains why the pensions industry needs to keep up to date with evolving technology
September 2014
Sandra Haurant explores why the take-up of ETFs by UK pension funds has been slower than anticipated
September 2014
Wrigley UK has taken the somewhat unusual decision to overhaul its DB scheme communications in order to increase member understanding and awareness. Laura Blows finds out how this was achieved, and why video had an important role to play
September 2014
As financial responsibility increasingly shifts from the state and employer onto the individual, the importance for young people to be prepared has finally been realised. David Adams finds out more about the financial education available
September 2014
The retirement income flexibilities generated by the Budget will simplify pensions for members, but will also bring complications for schemes and
providers. Peter Davy looks at the challenges ahead
September 2014
Many SMEs are facing an uphill battle to meet their auto-enrolment implementation staging dates. And as the clock ticks, the pennies could start stacking up too, finds Marek Handzel
September 2014
Nathan Jones examines the data challenges currently
facing pension schemes
September 2014
Francesca Fabrizi speaks to Tony Robertson, group pensions manager of William Hill about the challenges running its pension funds
July/August 2014
The need for solutions that span both the accumulation and decumulation journeys, and the popularity of multi-asset products for the at-retirement stage, are just some of the findings from HSBC’s post-Budget sentiment survey
July/August 2014
As the government consults on whether DB members should be allowed to continue to transfer into DC schemes in order to access the greater freedoms granted by the Budget, David Adams examines the potential impact the transfers would have on schemes, the industry and the wider economy
July/August 2014
Pension funds and providers are adapting to the changing landscape across both defined benefit and defined contribution provision. Matt Ritchie looks at some of the innovation taking place in the market
June 2014
Laura Blows speaks to the new president of the SPC, Duncan Buchanan, about his aims for the society and the challenges to be faced during his two-year tenure
June 2014
Edmund Tirbutt explores the current levels of guidance already offered by pension schemes, and questions whether the confusion surrounding the implementation of the ‘guidance guarantee’ will result in the government watering down its proposals
June 2014
Defined contribution charges have been the subject of much debate recently, but running costs can be just as big of an issue in the defined benefit space. Nick Martindale asks how trustees can better monitor fees, and keep the cost of running their schemes down
June 2014
Adam Cadle speaks to Centrica Pension Fund CIO Chetan Ghosh about the fund’s recent progress and ongoing investment strategies
June 2014
John Cockerton explores the impact the recent Budget may have on scheme design
June 2014
Laura Blows explores the challenge trustees face when determining who should receive death benefits following the demise of a pension scheme member
June 2014
Paul McGlone explores how to manage the balance between security and overpayment through the use of an Escrow
June 2014
Jamie Forbes reveals the results of Russell’s survey, which looks at European and American investors’ perceptions and adoption of smart beta
June 2014
The transition management industry has been in the spotlight for the wrong reasons recently, leading to some scepticism among trustees. But there are a variety of ways to ensure your transition manager is delivering, as Christine Senior reports
June 2014
Paddy Briggs speaks to UKSIF’s Simon Howard about making the case for investing in a more sustainable future
June 2014
Lauren Weymouth explores how and why pension funds are investing in alternative asset classes and what the future holds for the diversifying investment group
June 2014
Reforms announced in the Budget have completely changed the game for default funds and lifestyling, making many existing approaches obsolete. Pádraig Floyd reviews the impact of the changes
June 2014
Claire Southern and Helena Davies explains how the IORP mark II focuses on governance and communications
13/06/2014
Sarah Willis looks at the factors influencing whether the BoE will move to lift rates from their historic lows this year
02/06/2014
Michael C Walsh explains the importance of analysing total costs when implementing a DGF strategy
May 2014
Paddy Briggs speaks to Susan Martin about improving the pension prospects of local government employees through collaboration and the pooling of expertise
May 2014
Mark Wood explores whether the pension changes announced in the Budget will be to the detriment, or improvement, of those entering retirement
May 2014
Alistair Wilson looks at the dynamics generating high levels of demand within the European high yield market
May 2014
Sally Ling looks at what smart beta can offer investors, and how pension schemes are using it
May 2014
Nadine Wojakovski looks at the range of courses available to trustees, and how training sessions can help trustees prepare for real-life situations
May 2014
State Street Global Advisors’ recent survey reveals increasing investor interest into how advanced beta might work for institutional investment portfolios. Ana Harris explains more
May 2014
Our admin panel discusses the impact of the Budget on pension administration and expected future developments in this field
May 2014
A combination of reform to the individual annuity market and an injection of sophistication into transaction methodology has left the bulk annuity market on the cusp of a rich period of business, finds Marek Handzel
May 2014
In the first in its series of articles, ITM sales director John Broker explains how to handle the GMP challenge
May 2014
Sandra Haurant asks whether the pensions changes announced in the 2014 Budget will see more defined contribution savers looking to Self-Invested Personal Pensions as a way to turn their savings into income
May 2014
Legal & General’s record-breaking £3 billion buy-in with the ICI Pension Fund looks set to be the start of a new era for the bulk annuities market that is increasing, both in volume and transaction size
May 2014
The Royal Mail pension schemes have had a tumultuous few years plagued by controversy and reform. Chris Hogg, CEO of Royal Mail Pensions Trustees, tells Francesca Fabrizi how they dealt with the changes and why he is feeling positive today
May 2014
Nick Martindale looks at the huge technological implications of implementing a pot-follows-member system for dealing with small defined contribution pots
May 2014
Our DC panel asks what’s high on the DC agenda in the coming months, from the next stage of auto-enrolment, the charging caps debate and the Budget implications
April 2014
Interest rates may have stayed lower for longer than many expected, but the status quo will not last. Lynn Strongin Dodds asks whether schemes are adequately prepared for rates to rise, and how they can structure their portfolios to be ready for change
April 2014
Paddy Briggs speaks to Pippa Malmgren about the need for pension funds to change how they think and what they do
April 2014
Managed account platforms can provide pension funds with access to managed accounts that would not normally be available, on terms that suit them. Sandra Haurant examines the benefits of the MAP approach
April 2014
Lyxor’s Cyrus Amaria speaks to Pensions Age about the impact the AIFMD will have on hedge fund investment
April 2014
The Financial Conduct Authority is involved with some of the most critical issues facing pensions at the moment. Nick Poyntz-Wright is the FCA’s director of long-term savings and pensions, and sat down with Matt Ritchie the day after the Chancellor’s Budget speech to talk about the FCA’s work
April 2014
Laura Blows explains how games can be used within the pension industry to increase member engagement
April 2014
Sandra Haurant finds that while equities are not dominating investment portfolios as they once did, global stocks are finding increasing favour
April 2014
Five years into the economic ‘recovery’, Scott Berg explores what’s in store for global equities
April 2014
Nigel Ferrier shares his latest research on member engagement that was carried out in association with PMI
April 2014
Ian Aley considers the drivers of increased de-risking transaction sizes
April 2014
David Adams explores whether the Budget proposals will signal the end of annuities, or the start of a smaller but re-invigorated industry
April 2014
Pension experts outlined the importance of data and technology in helping schemes to achieve the best possible outcomes for their members at a recent half-day seminar
April 2014
Nadine Wojakovski explains how to establish a trustee/fiduciary manager partnership
April 2014
Towers Watson’s Mark Davis explains the importance of full disclosure for an effective trustee/fiduciary manager relationship
April 2014
According to a number of consultants, employers who have taken the hits in the first stages of auto-enrolment’s implementation have decided that some of the software and practices behind implementation need changing. Marek Handzel finds out why
April 2014
Nacho Font explains how smart beta can offer the best of both worlds between active and passive management
April 2014
Matthew Swynnerton looks at the impact of same sex marriage on pension scheme benefits
April 2014
Laura Brown explains how monitoring interest rate and inflation changes can help pension funds decide whether to implement a liability-driven investment strategy
April 2014
In the first in its series of articles, ITM sales director John Broker explains how to handle the GMP challenge
May 2014
Mark Jones explains why pension schemes need to digitise their data, particularly in preparation for legislative changes in 2016
March 2014
Alistair Wilson looks at how the fixed income markets have behaved so far this year, and the effect this has on pension scheme funding
March 2014
John Belgrove covers some of the factors investors should bear in mind when looking at infrastructure debt
March 2014
Sally Ling looks at the increasing role illiquid credit can play in pension funds’ investment strategies, and how schemes can access them
March 2014
Mark Wood looks at the problems that arise from the new proposals for pension schemes to support the growth of their sponsors
March 2014
Bernard Abrahamsen explains the opportunities illiquid credit can provide for pension funds as banks move away from this sector
March 2014
Following the release of the ABI and Department of Health’s Social care funding: Statement of intent, Laura Blows explores the increasing role the pensions industry will have in helping people save for long-term care
March 2014
Pension schemes can find themselves paying members too much for a variety of reasons. While overpayments can usually be recovered, Nadine Wojakovski finds that under some circumstances members will not have to return the funds
March 2014
With the government focused on tackling the issue of small pension pots, Peter Davy looks at the ‘pot follows member’ versus ‘aggregation’ debate, and explores the other options available
March 2014
As the pace of QE decreases, Albert Küller considers the implications for equity markets in 2014
February 2014
David Adams explains how the assessment of the employer covenant is changing, following TPR’s requirement that the employer’s funding ability is considered against its capability to invest in ‘sustainable business growth’
February 2014
Having enjoyed a stellar 2013, the longevity insurance market looks set to grow in popularity for smaller-sized schemes
February 2014
Sandra Haurant explores why commercial property is looking increasingly appealing for pension funds
February 2014
Jonathan Bull explains why it is important for trustees to be adequately protected
February 2014
Laura Blows speaks to Michelle Cracknell about her new role as CEO of The Pensions Advisory Service, and the plans she has to increase awareness of the organisation
February 2014
Matthew Swynnerton provides an overview of progress on tackling liberation fraud over the past year
February 2014
Lynn Strongin Dodds finds that schemes are increasingly using creative asset-backed contribution deals to tackle their deficits, and regulators are taking notice
February 2014
Edmund Tirbutt looks at the range of EU regulations affecting UK pension funds, and why they are often met with discontent
February 2014
Stewart Patterson explains the importance of taking the correct actions, at the appropriate time, when managing pension scheme risk
February 2014
The good times have been back for a while when it comes to infrastructure investment. But getting access to the right party isn’t straightforward, finds Marek Handzel
February 2014
Declan Boyle asks whether automation of calculations is dumbing down the expertise of pension administrators
January 2014
Sally Ling explains the importance of understanding the different types of DGFs and what they can deliver for pension fund investors
January 2014
Alistair Wilson gives an overview of last year’s major market events and provides his investment outlook for the year ahead
January 2014
Richard Butcher provides an independent trustee’s perspective about the importance of good governance for DC schemes
January 2014
Catherine Lafferty looks at the resurgence of master trusts
January 2014
Nick Martindale provides an overview of the biggest legal cases affecting pensions
January 2014
Defined contribution is at the top of the pensions agenda with the rise of automatic enrolment. Our panel of experts discusses the issues facing the industry
January 2014
Peter Davy explores the recent focus on improving DC scheme governance
January 2014
Mark Wood looks at the difficulties surrounding the purchasing of annuities and what can be done to improve the process
January 2014
Robin Hames explains how cash balance already has many of the benefits defined ambition is trying to achieve
January 2014
At the start of any year there’s something in the air that suggests to an optimist the possibility of a fresh start – but to pessimists a feeling of gloom: the same old cycle of dashed hopes and dreams is starting all over again. Which of these attitudes will be most apt for the UK pensions industry in 2014?
January 2014
As the pensions industry continues to undergo a series of reforms, Laura Blows explores why the time is now right to improve its reputation and how this can be achieved
January 2014
Matthew Arends explains why collective defined contribution schemes look set to grow in popularity in the UK
December 2013
Towers Watson’s Bina Mistry answers some key ABF questions
December 2013
Sandra Haurant looks at how pension fund investors have looked away from bonds to alternative fixed income solutions, in particular senior loans
December 2013
Our panel of experts discuss the current pension administration landscape and the future challenges that administrators and trustees will face in this area
December 2013
Letter to a new trustee
December 2013
Thierry de Vergnes explains why institutional investors are allocating to European senior secured loans for stable and attractive yields
December 2013
As TPR takes over responsibility for the standards of governance and administration in the local government, NHS, teachers, civil service, armed forces, police, firefighters and judicial pension schemes, David Adams asks what the new oversight will mean for the schemes involved
December 2013
Following the recent strikes in protest against pension adjustments, Charlotte Moore looks at best practice engagement and communications processes to minimise member unrest when pension schemes undergo changes
December 2013
What can be done to address the differences in pensions for men and women, asks Andrew Sheen
December 2013
Hogan Lovells of counsel Jill Clucas looks at the outcomes and implications of the court’s judgement in the Nortel/Lehman insolvency case
12/11/2013
Lynn Strongin Dodds finds out why leveraged loans, traditionally popular in the US, are now seeing increased interest from the UK and European investors
October 2013
Greg Wenzerul reveals how the buy-in process could be improved
October 2013
J.P. Morgan Asset Management’s Paul Sweeting, Nick Gartside and Edward Gladwyn examine the impact of pension funds’ drive to corporate bonds
October 2013
Mike Rogers explains why pension schemes should now be looking at dynamic risk management
October 2013
Christine Senior explores how the possible introduction of ‘Solvency II for pensions’, could affect pension funds’ investment strategies
October 2013
Jean-René Giraud explains how the development of hybrid solutions can allow insurance companies to re-assess their risk management approach in the wake of Solvency II
October 2013
Matthew Swynnerton talks through the requirements for new scheme trustees
October 2013
Sandra Haurant explains why enhanced annuities are no longer just for retiring DC scheme members
October 2013
Andy Dickson explains how the DC pension investment strategy could be improved to better support the uncertainties facing DC members
October 2013
Sally Ling explores the popularity of DGFs for both DB and DC pension schemes
October 2013
UBS’s Tommaso Albanese explains why pension funds should be considering infrastructure debt
October 2013
Protecting pensioners from inflation – can we do it better?
October 2013
Invesco Perpetual fund manager Richard Batty explores some of the ways in which multi-asset investing can exploit the rich seam of opportunities in today’s challenging financial markets
October 2013
Laura Blows speaks to the LPFA’s Susan Martin about the changes within the pension fund, and the Local Government Pension Scheme
October 2013
UBS’s Anthony Shayle explains to Pensions Age why real estate debt can be an attractive opportunity for pension fund investors
October 2013
As the economy recovers from the effects of the financial crisis, the Pension Protection Fund is stronger than ever and its systems have been fine-tuned. Matt Ritchie spoke to those behind the scenes at the lifeboat fund to find out how the PPF has developed
October 2013
Surrey Pension Fund’s Phil Triggs speaks to Laura Blows about the changes and challenges facing the pension fund
October 2013
One year since auto-enrolment started in earnest, there are some valuable lessons that SMEs could pick up from large employers who have already met their staging dates, finds Marek Handzel
October 2013
As the government’s call for evidence on LGPS reform closes, Nick Martindale explores why mergers of all shapes and sizes have been widely suggested and whether this really will improve LGPS efficiency
October 2013
Trustee duties for members with fixed or individual protection: The pitfalls for savers and trustees and how to avoid them
22/10/2013
Jonathan Bull looks at the protection provided by trustee and sponsoring employer insurance
September 2013
Enhanced annuities have gained popularity in the last few years, but will the RDR have an adverse effect? Sally Ling reports
September 2013
Our expert panel discusses some of the latest developments in the DC space, such as the need for better governance, improving default strategies and defined ambition
September 2013
UTI International CEO Praveen Jagwani explains why opportunities are arising within Indian fixed income investment
September 2013
Julie Walker highlights the importance of quality within pensions administration
September 2013
Sandra Haurant looks beyond the buzz of ‘smart beta’ to explore what it really means for investors
September 2013
John Atkin examines the corporate bond smart beta phenomenon, and offers alternative ideas for alleviating the issues that the strategies aim to tackle
September 2013
Will Hale explains the attraction of enhanced de-risking in the light of growing activity
September 2013
Alistair Wilson explains why duration is an important consideration when investing in fixed income
September 2013
Julie Stothard looks at how smaller schemes can make de-risking a viable option
September 2013
Nigel Ferrier and Diane Hassall-Mead explain how smart marketing of pensions improves engagement and education
September 2013
Karen Gomm looks at what schemes should consider when trying to find a fiduciary manager that’s right for them
September 2013
Jeff Neate explains what fiduciary management actually means and how it can help pension schemes address the funding gap
September 2013
Daniel Taylor looks back on the development of Premier, as the firm celebrates its tenth birthday
September 2013
Aberdeen Asset Management’s head of operations – alternatives Neil Dolby explains to Pensions Age why the spotlight has brightened on operational due diligence
September 2013
Lynn Strongin Dodds explores why work still needs to be done to improve data, despite the regulator’s focus on improving record keeping
September 2013
John Broker calls for more stringent regulation on data quality
September 2013
Nadine Wojakovski looks at pension funds’ changing attitude towards alternatives and how best to enter the different opportunities in this broad asset class
September 2013
Mark Wood argues for tighter controls around the formation of pension schemes to help prevent pension fraud
September 2013
With complaints against pension schemes on the rise, trustees need to ensure that their dispute resolution procedures and member communications are well oiled in order to avoid falling foul of the Ombudsman, finds Marek Handzel
September 2013
Sion Cole looks at how to go about selecting a fiduciary manager and the key areas to delve into
September 2013
Legal & General’s deferred premium solution enables pension schemes to lock into a buy-in policy then spread the premium payment over a number of years, removing the potential obstacle of significant upfront costs
September 2013
The challenge of securing our retirement in a more capitalist age
September 2013
Nick Martindale explores whether promoting the benefits of retirement saving, or warning of dire consequences if not, makes for more effective pensions communication
July 2013
Hugh Nolan discusses the complications in dealing with pension liberation fraud
July 2013
Ian Aley outlines the different ways pension schemes can write business with reinsurers
July 2013
We review the Pensions Age/Aon Hewitt administration seminar, where experts shared views on improving the member experience in an ever-changing landscape
July 2013
Julie Walker explains why the DC administration report should be used to address fundamental questions about the structure and running of the scheme
July 2013
John Dean explains why pension schemes should insure younger employees against death in service
July 2013
Matt Waller discusses what we can learn from those who have already gone through pension auto-enrolment
July 2013
David Adams explores the current level of pension transfer exercises, now they have been in the regulator’s spotlight for the past couple of years
July 2013
Laura Blows speaks to the new chair of the Longevity Science and Advisory panel, Dame Karen Dunnell, about the factors affecting longevity trends and their impact on pension funds
July 2013
Seeking the ideal mix on a trustee board
July 2013
Our panel of experts discusses the variety of ways property investment meet the needs of pension funds, and what more needs to be done to entice investors
July 2013
Matthew Swynnerton takes a closer look at the revised Takeover Code and its implications for pension schemes
July 2013
Alistair Wilson discusses the Fed’s QE tapering and its impact on financial markets
July 2013
As the pensions industry is evolving, the job of MNTs is becoming increasingly difficult. Ilonka Oudenampsen finds out what help is available and whether more needs to be done
July 2013
Laura Blows speaks to energy supplier E:ON about how it managed its auto-enrolment process, and what companies preparing now can learn from its example
July 2013
Matt Ritchie explores how market pressures are affecting the progression of glidepaths, and what this means for pension funds’ de-risking strategies
July 2013
Ian Aley explains how to create an effective journey plan for pension schemes
June 2013
Robin Hames looks at consultancy charging, charge caps and auto-enrolment
June 2013
Small schemes needn’t feel restricted by options for de-risking, finds Andrew Sheen
June 2013
Laura Blows speaks to Alliance Trust Investments’ head of sustainable and responsible investment (SRI), Peter Michaelis, about the growth in SRI
June 2013
Nadine Wojakovski explores whether ETFs are beneficial investment vehicles for pension funds
June 2013
Lesley Browning and Catriona Stephen talk through the effect of the Walker case and the Marriage (Same Sex Couples) Bill on pension rights for civil partners
June 2013
The evolution of pension provision
June 2013
Peter Michaelis explains how sustainable and responsible investments can help achieve higher and more predictable returns for the next decade
June 2013
Arnaud Llinas explains what investors should consider when choosing an ETF provider
June 2013
Adam Cadle speaks to Nest’s chief executive Tim Jones about the progress of the workplace pension scheme since its launch in 2011
June 2013
While unusual contingent asset deals may grab headlines, more ‘mundane’ arrangements may increasingly be used to fund pension deficits, finds David Adams
June 2013
Bernard Abrahamsen explains why the time may be right to take on credit risk
March 2013
Edmund Tirbutt examines the various ways pension funds can invest in alternatives
March 2013
Risk parity has recently gained significant attention because of its strong performance compared to more traditional approaches of asset allocation in the last decade. While it has clear advantages, Yazann Romahi and Katherine Santiago reveal the challenges that risk parity investors should bear in mind when adopting this framework
March 2013
The SORP Working Party will have a chance to provide some much needed updates to pension scheme financial statement methodology by 2014, if the new accounting standard for schemes is released in time, finds Marek Handzel
March 2013
Will Hale discusses the Pensions Institute’s report on medical underwriting in DB schemes
March 2013
Sandra Haurant explains the difficulties of defining ‘absolute returns’ as a concept and the challenge of measuring performance
March 2013
Stewart Patterson explores the new US trend for de-risking pension schemes through the transfer of liabilities
March 2013
John Reeve explores the issues charities face when running their pension scheme
March 2013
Adam Cadle speaks to shadow pensions minister Gregg McClymont about the current pensions landscape and the main issues that the industry needs to tackle in 2013
March 2013
Matthew Arends examines the popularity of liability management exercises
March 2013
Alistair Wilson reports on the effects company takeovers have for bondholders
March 2013
Our DC panel sits down to tackle some of the biggest issues facing DC pension provision today
March 2013
Mark Wood expresses concern about the usefulness of inflation measures
March 2013
Laura Blows speaks to Legal & General’s Tom Ground on how simplicity and longevity insurance can, contrary to popular belief, go hand in hand
April 2013
Laura Blows speaks to Daniel Godfrey about his new role as chief executive of the Investment Management Association (IMA), along with its director of public policy, Jonathan Lipkin, about the changing nature of pension fund investment
April 2013
Matt Waller explains how ‘middleware’ software enables companies to automate the admin processes of complying with auto-enrolment
April 2013
Laura Blows explores how rising pension deficits have been putting pressure on the charity sector
April 2013
Andrew Sheen examines whether pension funds are increasing their investments in property
April 2013
Matthew Swynnerton explores the role of trustees and pensions professionals in tackling pension liberation fraud
April 2013
Ian Aley discusses the growth in pension scheme ‘all-risks’ buyouts that extend beyond mortality and investment risk to cover incorrect data and benefits errors
April 2013

Absolute return focus
Laura Blows speaks to Matthew Bullock, Investment Director - Multi-Asset, Wellington Management, about absolute return strategies
Engaging tactics
Laura Blows talks to Mark Rowlands, director of customer engagement at NEST, about how to increase member engagement

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